公开(公告)号：US10803515B2

公开(公告)日：2020-10-13

申请号：US12262400

申请日：2008-10-31

Applicant: Daniel P Skowronek

Inventor： Daniel P Skowronek

IPC: G06Q40/00 ,  G06Q40/02 ,  G06Q20/40

Abstract: Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader. The processor may be operable to cause the contactless transaction device reader to read information from the contactless transaction device, to verify that the user's authority, to provide transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction, and to transmit at least a portion of the transaction information to an entity.

公开(公告)号：US10748129B2

公开(公告)日：2020-08-18

申请号：US15925178

申请日：2018-03-19

Applicant: First Data Corporation

Inventor： Christopher L. Toomer ,  Steven E. Arthur

IPC: G06Q20/00 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40

Abstract: Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.

公开(公告)号：US20190333065A1

公开(公告)日：2019-10-31

申请号：US16412032

申请日：2019-05-14

Applicant: First Data Corporation

Inventor： Jigar Desai ,  Francis Pavlik ,  Scott Sanchez ,  Scott Francis ,  Deneen Luxford ,  Eva Russo ,  Phillip Wiggins ,  Matthew Borenstein

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q40/02

Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.

公开(公告)号：US10354247B2

公开(公告)日：2019-07-16

申请号：US13801930

申请日：2013-03-13

Applicant: Vijay Kumar Royyuru ,  Jean M. Sindaco ,  Bradley T. Masterson ,  Peter Allen Donat

Inventor： Vijay Kumar Royyuru ,  Jean M. Sindaco ,  Bradley T. Masterson ,  Peter Allen Donat

IPC: G06Q40/00 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/36

Abstract: Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.

公开(公告)号：US10332135B2

公开(公告)日：2019-06-25

申请号：US13412451

申请日：2012-03-05

Applicant: Silvio Tavares ,  Susan Fahy ,  Dennis Carlson

Inventor： Silvio Tavares ,  Susan Fahy ,  Dennis Carlson

IPC: G06Q30/00 ,  G06Q30/02

Abstract: Systems and methods are described for generating indexed sales data by aggregating point of sale (POS) datasets are aggregated from transactions at a plurality of POS terminals. The POS datasets for each transaction include a transaction amount, a merchant classifier, and a transaction time. An industry subset of the aggregated POS datasets is obtained for a given timeframe based on the merchant classifier. This industry subset comprises transactions for a given industry. A sales value is calculated for the industry subset, and a monthly fluctuation factor is applied to the sales value. Also, a normalization factor is applied to the sales value based on a percentage of the sales value relative to an overall market size to obtain the indexed sales value.

公开(公告)号：US10311207B2

公开(公告)日：2019-06-04

申请号：US14310978

申请日：2014-06-20

Applicant: First Data Corporation

Inventor： Beverly Kennedy ,  Robyn Bartlett

IPC: G06F19/00 ,  G06Q10/00 ,  G06Q40/08 ,  G06Q50/24 ,  G06Q10/10 ,  G06Q20/20 ,  G06Q30/04 ,  G06Q50/22

Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an estimated explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.

公开(公告)号：USD837876S1

公开(公告)日：2019-01-08

申请号：US29546572

申请日：2015-11-24

Applicant: First Data Corporation

Designer： David Frederick Lyons ,  Christopher Loew ,  Leonard Speiser ,  John Beatty ,  Eric Fuhs

公开(公告)号：US10102538B2

公开(公告)日：2018-10-16

申请号：US15228784

申请日：2016-08-04

Applicant: First Data Corporation

Inventor： Barry F. Pointer ,  Dominic Morea ,  Bengt Horsma ,  Christopher Wuhrer ,  Jerome Myers ,  Michelangelo R. Ho ,  Sarah Owen

IPC: G06Q30/00 ,  G06Q30/02 ,  H04W4/021

Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.

公开(公告)号：US10037524B2

公开(公告)日：2018-07-31

申请号：US12357579

申请日：2009-01-22

Applicant: Vijay K Royyuru ,  Robert P Klotz

Inventor： Vijay K Royyuru ,  Robert P Klotz

IPC: G06Q20/04 ,  G06Q20/36 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q40/02 ,  H04L9/16

CPC classification number: G06Q20/3674 ,  G06Q20/04 ,  G06Q20/341 ,  G06Q20/385 ,  G06Q30/06 ,  G06Q40/02 ,  H04L9/16 ,  H04L2209/56 ,  H04L2209/805

Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.

公开(公告)号：US10007900B2

公开(公告)日：2018-06-26

申请号：US13650659

申请日：2012-10-12

Applicant: First Data Corporation

Inventor： Vijay Kumar Royyuru ,  Peter Allen Donat

IPC: G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/20 ,  G06Q20/327 ,  G06Q20/3276 ,  G06Q20/3278

Abstract: Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction.